Answers to your insurance questions

In relationship to health insurance this is the premium rate developed for a group insurance coverage. The insurance company has standard rate tables normally referred to as its rate manual or underwriting manual.

It is always wise use candour with your agent or broker. If there is an interpretation available for your job description that puts you in a more favourable light or that has a negative impact it should be explored. Utmost honesty is the standard for an insurance declaration.